Free tools

Financial calculators for clarity

Use these tools for personal finance education and business planning—whether you are comparing DIY time to outsourced bookkeeping, stress-testing margins, or checking 1099 rules.

Results are estimates, not tax or legal advice. When you are ready for ongoing bookkeeping and numbers you can act on, see what we deliver each month or schedule a consultation. Read FAQs for how we work nationwide.

Bookkeeping ROI calculator

How much is DIY bookkeeping really costing you?

Your hourly rate ($)

Hours/week on books

Monthly cost ($)

Weeks/year worked

Annual time value recaptured

240 hours saved

$13,200

Profit margin calculator

Gross and net margins at a glance.

Monthly revenue ($)

Cost of goods sold ($)

Operating expenses ($)

Other expenses ($)

Gross margin

66.7%

Net margin

36.7%

1099 threshold checker

Do you need to file a 1099 for this vendor?

Total paid to vendor ($)

Vendor type

1099 required?

Yes — file by Jan 31

Monthly burn rate

Track your spending and break-even point.

Fixed expenses ($)

Variable expenses ($)

Owner pay / payroll ($)

Monthly revenue ($)

Burn rate

$10,000

Surplus/deficit

+$2,000

Want numbers you can trust every month?

Reach our bookkeeping team — we serve real estate investors and small businesses in all 50 states.

Schedule a Consultation Contact Money on the Mend